Instant Personal Loan Online & Pay Later - LazyPay


Get Instant Personal Loans up to Rs. 1 lakh with LazyPay, through an easy digital process and minimal documentation.

Avail instant online loans for 3 to 24 months, at affordable interest rates from 15% to 28%, depending on the EMI tenure and risk profile. A processing fee of 2% will be applicable on the amount withdrawn.

So, surprise your loved ones with festive gifts, go on that dream trip with your friends, buy yourself the latest smartphone or meet all your emergency expenses.

What is LazyPay?
LazyPay, powered by PayU, is the fastest way to get access to an instant line of credit online. Just enter your mobile number & discover your unique limit.

With quick approvals & secure online processing, LazyPay successfully disburses 1 million+ loans every month, by ensuring convenience to the consumer through our key offerings including pocket- friendly EMIs, Personal Loans and the option to Pay Later across 100+ of your favourite apps & websites.

How it works?
LazyPay extends a personalized limit to users through a simple process:
1. Sign up on the app & provide PAN details to check your eligible limit, instantly!
2. To activate your enhanced limit, submit your KYC details.
3. Then, complete your auto bill payment setup & done!
4. You can start using your enhanced LazyPay credit limit as an instant loan, convert to No cost EMIs on partner merchants or buy now pay later in One Tap!

EMI Calculation:
For a loan amount of Rs. 10,000 availed for a period of 6 months, at 18%* interest per annum, the EMI amount per month will be around Rs. 1755. We will charge a processing fee of Rs. 200 on the loan amount.
* Interest rate varies

Why choose LazyPay?
1. No Bank visits, LazyPay’s approval process is 100% paperless
2. Get 24X7 access to credit, anytime anywhere
3. Pay interest only for the amount borrowed
5. Collateral free instant personal loans online, for all eligible users
6. E Pay Later in One Tap at 100+ apps & websites, like Swiggy, BookMyShow, Airtel, HungerBox, Hathway, Ixigo & more!
7. Convert your high-value purchases into flexible EMI plans from 3 to 24 months with a single OTP checkout
8. Receive consolidated bills of all transactions and repay LazyPay on the 3rd & 18th of the month
9. Track purchases, bill payments & EMIs on the app
10. Transfer your available credit limit direct to your bank account or save for unforeseen situations.

Data security & privacy is given top priority at LazyPay. We comply with highest security standards & protocols.

Where can I use LazyPay?
1. LazyPay’s One Tap checkout is available on all your favourite food, entertainment & utility merchants, including Swiggy, Zomato,, AbhiBus, Box8, ACT, FreshMenu, Rapido & more
2. Cardless EMI by LazyPay is available as a Payment option to convert all your high-value purchases like home appliances, furniture, laptops etc. into flexible plans at affordable interest rates. Select LazyPay on ZAP Subscribe - Zoomcar, OnlyMobiles, BYJU’s, Hathway and many more coming soon!
3. Your available credit limit can be used for personal loans on education, automobile, travel, electronics & more.
4. Do a one-click transfer of your limit straight to your bank account & use as you need
5. This early salary loan is also helpful when you have to meet expenses in times of emergencies.

What else can I do with LazyPay App?
A. Your favourite Citrus Online Wallet lets you load money via cards & net banking. You can also secure your card information for quick purchases on the go.
* Upgrade your Wallet to enjoy higher limits on Loads, Withdrawals & Payments!

Continue to make digital payments through your online wallet and make quick UPI repayments with LazyPay!
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What's New

Update the app to
- Checkout the new rebranded LazyPay app
- Experience a lighter & smoother app
Read more

Additional Information

February 20, 2019
Current Version
Requires Android
5.0 and up
Content Rating
Interactive Elements
Digital Purchases
Offered By
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